An independent New Zealand line of credit guide and calculator.
Lineofcredit.org.nz is built for New Zealand businesses deciding whether a revolving facility is the right shape and what one actually costs. The calculator is free and collects nothing. Eight pages cover the facilities themselves, four cover how a limit is actually used, and eight guides cover the mechanics underneath, from how drawdown and interest work to what a lender looks at when it sets a limit.
What we do
Education, a calculator, and a single referral path.
This is not a lender, a broker or a registered financial adviser. It does not arrange credit, hold client money, or give personalised financial advice. The site occupies a narrow regulatory lane, which is educational content, what New Zealand's advice regime calls class information, plus a calculator producing indicative repayment figures from inputs the reader sets.
When a reader uses the calculator's "See if you qualify" button, the handoff reaches Prospa, a New Zealand business finance provider. Prospa asks its own questions, runs its own credit assessment, and provides a firm quote and funding where a business is eligible. No calculator inputs travel with the handoff, so the application begins fresh on Prospa's own site.
Lineofcredit.org.nz is paid a referral commission by Prospa on funded facilities. The commission comes from Prospa rather than from the borrower, and it does not change the rate, fees or terms Prospa offers. Prospa is an unsecured cash-flow lender rather than a provider of revolving facilities, which fits some situations well and others poorly, and the partner page says which is which.
Editorial approach
Indicative only, primary sources, no rate promises.
Every numeric claim involving rates, fees, eligibility or sector data is hedged or sourced. Verifiable claims cite a primary New Zealand source, which in practice means Inland Revenue, MBIE, the Companies Office, WorkSafe, the Reserve Bank of New Zealand, Stats NZ or the Commerce Commission. Nothing here is paraphrased from a comparison site or from a lender's marketing pages, because paraphrasing another publisher adopts their claims, including any that were never substantiated. The full editorial rulebook lives in the project repository and is applied to every page before it ships.
No specific rate is ever quoted as available, no approval or approval speed is ever promised, Prospa is never described as best or cheapest for every borrower, and no reader is ever told what to do. Where the options genuinely diverge, such as an overdraft against a term loan, the trade is described from both sides rather than resolved into a verdict.
Tax-treatment statements covering GST, deductibility and depreciation are general in nature and carry the accountant caveat in the same sentence as the claim rather than once at the bottom of the page. The treatment depends on the accounting basis, the timing of the return and the specific arrangement, and the accountant is the person with all three.
Compliance posture
FMC Act Part 2, Fair Trading Act, and the limits of "class information".
The fair-dealing provisions in Part 2 of the Financial Markets Conduct Act 2013 apply to a content site, not only to lenders, and the 2022 amendments extended them explicitly to unsubstantiated representations. That is the reason for the hedging throughout. The Fair Trading Act 1986 imposes parallel obligations on non-financial claims.
No regulated financial advice is provided here, as defined under the Financial Services Legislation Amendment Act and Part 6 of the FMC Act. Most business revolving credit falls outside the retail-client definition because the borrower is a company rather than a natural person. Sole-trader and personal-guarantor cases can reach the Credit Contracts and Consumer Finance Act 2003, which is why the posture is class information across every page rather than only on the ones where it is strictly required.
No personal information is collected through this site, and there is no contact form anywhere on it. Calculator inputs stay in the browser and are never transmitted. Any lead capture happens on Prospa's own domain, where the appropriate framework sits with them.
How the content is produced
Written against a rulebook, and checked by a linter.
Every page on this site is written against a documented set of rules covering what may be claimed, how numbers must be framed, and where a caveat has to sit. Those rules are not aspirational. They are checked mechanically before anything is published, by a linter that reads the prose and fails the build where a rate is stated as available, an approval is promised, a statistic appears without a source or a hedge, a tax claim appears without the accountant caveat in the same sentence, or a sentence tells a reader what to do rather than describing what businesses commonly do.
The same checks run against the built output rather than only the source, because a rule that holds in a file and not on the page has not held. The referral path is counted on every published page, every internal link is resolved against what actually exists, and the whole site is checked for any trace of a domain it should not be naming.
None of that makes the content correct. It makes a particular class of error impossible to ship quietly, which is a narrower claim and a more honest one. Corrections are still welcome, and the contact page sets out what happens to one.
Indicative content only. Nothing on this site is personalised financial advice. Final rates, fees and approval decisions are made by the lender after its own assessment.